BlastPoint's Banking Scorecard
The Bank of Magnolia Company
Micro
Specialty: Other
OH
FDIC cert 2300
Designations: ✓ Community bank
Magnolia, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Bank of Magnolia Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.20% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.3M
+4.9% YoY
-0.1% QoQ
|
-$112.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$66.5M
+11.1% YoY
+3.0% QoQ
|
-$72.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$91.1M
+4.6% YoY
-0.4% QoQ
|
-$92.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.25%
+6.7% YoY
-20.9% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
5.05%
+11.9% YoY
+0.4% QoQ
|
+1.20% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
67.52%
-4.1% YoY
+12.5% QoQ
|
-0.20% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.05%
+132.5% YoY
-5.9% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
72.98%
+6.2% YoY
+3.4% QoQ
|
-1.55% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
31.58%
-10.4% YoY
+0.9% QoQ
|
+9.18% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.03%
+146.2% YoY
-3.0% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
21.90%
-3.5% YoY
-1.0% QoQ
|
+13.05% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.33%
-6.6% YoY
+40.2% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.05%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.90% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.58% · Tier avg: 22.39%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.98% · Tier avg: 74.53%
46
46th pctile
Efficiency Ratio
Current: 67.52% · Tier avg: 67.73%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
27
27th pctile
Total Loans
Current: $66.5M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $91.1M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
Top Weaknesses
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $91.1M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $66.5M · Tier avg: $139.2M
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
46
46th pctile
Efficiency Ratio
Current: 67.52% · Tier avg: 67.73%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.98% · Tier avg: 74.53%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.58% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.90% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%